Credit BureausThere are three major credit bureaus, all who use the FICO model to calculate credit scores. Each bureau compiles their own credit reports, so it is important to check your report from each of them to ensure against inaccuracies and fraud.

Free Annual Credit ReportBy federal law, each of the 3 major credit bureaus is required to provide you with one free copy per year of your credit report (though not your credit score)upon request. It is important to review this information not only to track and improve your financial health, but also to ensure against fraud and identity theft.

Support ServicesAre you in debt and feel like you can’t get out? Do you have a low credit score and need help figuring out how to bring it up? Or do you just need help managing your credit, debt, and spending? If so, there are resources out there to help you.

Identity TheftIdentity theft is one of the fastest growing crimes, and happens when personal information—such as your name, credit card number, social security number or drivers license number—is stolen and used to assume your identity.